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1. Saving Schemes: Monthly installments must be paid before the due date. The gold weight accumulated is based on the 22K board rate at the exact time of payment realization.
2. KYC Mandate: As per government regulations, PAN and Aadhaar details are mandatory for total transactions exceeding ₹2,000,000 in a financial year.
3. App PIN Security: Your 4-digit Vault PIN is strictly confidential. Dheva Gold Mart will never call you to ask for your PIN or OTP.
4. Maturity & Redemption: Accumulated gold weight cannot be refunded as cash. It must be redeemed by purchasing jewelry or coins from our showroom. Standard making charges and GST apply during final redemption unless specifically discounted under the scheme offer.
100% Exchange Value (Within 7 Days)
Jewelry can be exchanged for 100% of the gold value within 7 days of purchase, provided it is unused and returned with the original bill and tag. Making charges and GST are non-refundable.
Lifetime Exchange: For exchanges after 7 days, the gold will be valued at 100% of the net weight based on the prevailing current market rate. Stone values will be assessed separately.
Cash Refunds: We do not offer cash refunds for any purchases or saving scheme deposits.